business use? Surely not!

Sally_A

Trawling through my grey matter....I think our company had contingency cover on their fleet, to pick up any shortfall in cover for employees using their own vehicles, where the declared/covered usage was not up to scratch.

Prothet_of_Doom

=rizla= wrote: »

I'm the same, however if you did have a crash then surely you we on your way to Tesco's?

I thought through this risk, and quite frankly, if the bill was large enough, they would be able to find out that was a blatent lie.

Class 1 business use is normally free.


I actually have a quantry. I have a car on a classic policy, and I'm self employed, via a ltd company, and my current client, only 110 miles from my home, is having a "drive your classic to work day"

The organiser thinks about 50 people will drive to work in a classic car, where typically the insurance does not include commuting even. I'm thinking "nah"

Prothet_of_Doom

Sally_A wrote: »

This is where you need to play smart and negotiate upfront with your company, say a 100 mile round trip takes 2 hours travelling, plus 45p a mile petrol =£45 fuel. Plus £50 to upgrade from SDP/Commute to Class 1 business travel.

A train/bus/taxi ride may easily cost £120 and take 5 hours.

A decent employer will pay for the upgrade to Class 1.

On the other hand, I only get 28p a mile, but do get a few hundred quid pre tax allowance per month for car usage/insurance/maintenance etc.

The 45p a mile limit from the HMRC assume that all costs are picked up by the employee.
My car costs about 15P a mile in Fuel, so the profit of 30p X 100 miles x 2 trips, would pay for the extra insurance (except it usually is free)

facade

andrewd wrote: »

Ok, so just playing devils advocate here...

If I work at site A everyday but once a quarter work at site B then that is still commuting isn't it? Not business use as not travelling between sites only home and one single place of work (for that day at least!).

:-)

Yes, but if you read your policy it says something like mine (esure):

Use for social, domestic and pleasure purposes, including commuting to and from a permanent place of work.
Use by the policyholder in connection with his business or profession.

However, reinforces my belief that driving to & from work was classed as domestic until "commuting" was invented, otherwise why the word "including", "also" would be more appropriate if driving to work was nothing to do with the others.

room512

I'm a teacher and have to have business use on my insurance so I am covered when I go on a course that isn't based at our school.

droopsnoot

andrewd wrote: »

Ok, so just playing devils advocate here...

If I work at site A everyday but once a quarter work at site B then that is still commuting isn't it? Not business use as not travelling between sites only home and one single place of work (for that day at least!).

:-)

The key thing surely is that the OPs insurer have stated that as far as they're concerned, in that scenario, it counts as business use, so cover is needed. Other insurers might have a different view, but if they've already put theirs forward, OP can either pay the extra as they have, or shop elsewhere for a company with a different view. Allowing occasional use for going to a different site opens the can of worms of defining "occasional", and just saying it's OK if it's owned by the same company is lovely until OP works for McDonalds or anywhere else that has hundreds or thousands of locations.

patman99

I'm with Direct Line and when I had the renewal through, I phoned to cancel the automatic renewal as I intended to go via TCB to get £57 back.

The lady I spoke to told me that by allowing the auto-renwal, I would loose the business use part of the policy (they don't tell you this in the literature), but by cancelling auto-renwal and renewing manually, I would get business miles cover.

When I was with the Co-Op, they had 3,000 business miles included at no extra costs on their policies.

Btw, some employers have fleet policies that cover employee's cars when on business use, so worth asking. I used to work for a company that had such a policy, so was told to give their insurance details if involved in an accident whilst on company business and not my own insurance details.

Domino's Pizza have the same type of policy in place (at least at their Colchester franchise), but they insist on your car going through a thorough inspection to check for roadworthiness prior to adding the car's details to their ploicy.

forgotmyname

My old firm used to be the same, if on errands for them their insurance covered it, but as time went on that got removed.

Not sure whether it was cost cutting or something that was being removed over time.

IamNotAllowedToUseMyName

forgotmyname wrote: »

My old firm used to be the same, if on errands for them their insurance covered it, but as time went on that got removed.

Not sure whether it was cost cutting or something that was being removed over time.

Daughter works for a large company and they are only allowed to do a maximum of 100 miles a year in their own car on company business - i.e. trivial journeys. Any substantial mileage has to be in a company car or hire car.

My understanding is that it is a health and safety policy as the company is responsible for the safety of its employees and cannot control the condition of the cars that employees own themselves.

ChumLee

IanMSpencer wrote: »

Daughter works for a large company and they are only allowed to do a maximum of 100 miles a year in their own car on company business - i.e. trivial journeys. Any substantial mileage has to be in a company car or hire car.

My understanding is that it is a health and safety policy as the company is responsible for the safety of its employees and cannot control the condition of the cars that employees own themselves.

Why let them do any miles at all? Surely the can kill themselves in a shed within 99 miles so why is 101 so unsafe?